5-minute pre-qualification.
No credit check. No spam. Just a real conversation with a senior broker.
How applying online works
Applying with Mortgage Squad Advisors takes about five minutes and never touches your credit score to begin. It's a soft pre-qualification, not a hard application — you stay in control the whole way, and a real, senior broker (not a call-centre) picks up your file.
- 1
Tell us your goal
Buying, refinancing, renewing, a HELOC, or something more specialised — the questions adapt to what you need.
- 2
Share your situation
A few numbers about the property, your income, and your down payment or equity. No documents required yet.
- 3
See a quick estimate
We show a stress-tested estimate of what you could qualify for before you ever speak to anyone.
- 4
Talk to a senior broker
Submit and an FSRA-licensed advisor reaches out within the next business hour with real next steps.
What happens after you submit
- A senior broker reviews your file. Not a lead pool — one licensed advisor owns your application from first call to funding.
- We shop 100+ lenders for you. Banks, credit unions, monoline, and alternative lenders compete for your business so you don't take the first rate a single bank offers. Compare today's numbers on our live rates page.
- You get a secure client portal. Upload documents, e-sign, and track every stage in real time — no email tag.
- No credit hit to explore. Want a rate hold before you're ready to fully apply? Start a pre-approval or run the numbers on our mortgage calculators.
Choose the path that fits
The application tailors itself to your goal. Not sure where you fit? Explore the options below, or just start the form and change your answer any time.
Purchase financing, first-time-buyer programs, and pre-approvals.
FHSA, the Home Buyers' Plan, and land-transfer rebates.
Lower your rate, consolidate debt, or pull out equity.
Don't auto-sign the bank's renewal — we shop 100+ lenders.
Access your equity for renovations, investing, or a cushion.
Bank-statement and stated-income programs for business owners.
Newcomer programs — buy with limited Canadian credit history.
Alternative and B-lender options when the banks say no.
Multi-family, mixed-use, and owner-occupied commercial deals.
Applying online — common questions
Still unsure about something? Ask Maya for an instant answer, any time.
Does applying affect my credit score?+
No. Starting an application is a soft pre-qualification — there is no credit-bureau pull to begin. A hard check only happens later, with your explicit consent, once you decide to move forward with a specific lender.
How long does the application take?+
About five minutes. It's five short steps — your goal, your situation, your finances, your contact details, and a review. You can change any answer before you submit; nothing is locked in.
What happens after I submit?+
A senior FSRA-licensed broker reviews your file and reaches out within the next business hour. You'll also get instant access to a secure client portal where you can upload documents and track your application in real time.
Do I need my documents ready to apply?+
Not to start. The initial pre-qualification only needs the numbers you already know. Your broker will send a simple checklist — usually ID, income confirmation, and a recent mortgage or property statement — once you're ready for full underwriting.
Is there any cost or obligation?+
No. Pre-qualification is free and there's no obligation to proceed. On residential deals the lender pays our commission, so our advice costs you nothing.
Can I apply if I'm self-employed or have bruised credit?+
Yes. Alongside the big banks we work with alternative and B-lenders who specialise in self-employed, new-to-Canada, and credit-challenged borrowers. Choose the option that fits on the first step and we'll tailor the questions.
Which types of mortgages can I apply for here?+
Purchases, refinances, renewals, HELOCs and home-equity take-outs, self-employed and newcomer mortgages, plus commercial financing. Pick your goal on step one and the form adapts to it.